A personal umbrella policy covers liability claims arising from which of the following?

• A. Bodily injury
• B. Property damage
• C. Personal injury
• D. Bodily injury, property damage, and personal injury

Answer: (D)

A personal umbrella policy sits above your underlying auto, home, and other liability coverages and pays after those policies have been exhausted or would not apply. It provides broad excess protection for three main liability categories: bodily injury (injuries to people, including medical costs and possibly lost wages), property damage (damage to someone else’s property), and personal injury (non-physical harms such as defamation, false arrest, or invasion of privacy). Because it’s designed to extend protection across these liability risks and often covers defense costs as well, it best fits claims arising from all three areas, making it the comprehensive choice.